Payday Loans in Meriden, Kansas

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No payday loan companies in Meriden, KS. Consider companies in other cities:

Company nameAddressZip codePhone number
Advance America 1712 S National Ave, Fort Scott, KS 66701 +1 (620) 223 - 4529
Loanmax Title Loans 1030 N Kansas Ave, Liberal, KS 67901 +1 (620) 626 - 5655
Morgan Stanley 1617 Waterfront Ste 200, Wichita, KS 67206 +1 (316) 383 - 8300
First Option Bank Spring Hill 21101 W 223rd St, Spring Hill, KS 66083 +1 (913) 557 - 0800
Bank of the West 700 S Main St, Ottawa, KS 66067 +1 (785) 242 - 2804
Barri Agent 146 N 8th St, Garden City, KS 67846
Walmart Money Center 3201 N 16th St, Parsons, KS 67357 +1 (620) 421 - 0375
Check Into Cash 7809 E Harry St, Wichita, KS 67207 +1 (316) 687 - 0952
LendNation 1318-1320 E 4th Ave, Hutchinson, KS 67501 +1 (620) 663 - 1483
PrimeLending, A PlainsCapital Company 1201 Wakarusa Dr Building A, Suite 4, Lawrence, KS 66049 +1 (785) 856 - 1231

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Meriden, KS, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, Quick Loan in Lawrence, KS, Payday Loans in Leavenworth, KS, Emergency Loan in Leawood, KS, Payday Loans in Lenexa, KS, Payday Loans in Manhattan, KS and Payday Loans in Olathe, KS. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Meriden, KS.

Beautiful sights of Meriden, KS

Payday Loans Available in Meriden, KS By The Following ZIP Codes:

66512

Are Payday Loans Legal In Meriden, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Meriden, Kansas residents may only be for $500 for the first loan and $300 for each additional loan. The lender must give a monthly statement in which the borrower will see how much money was borrowed, how much was repaid, and how much the total cost of the loan is. The Kansas Finance Charge on payday loans is a standard $15 per $100 borrowed. The APR for payday loans in Meriden, Kansas is 391%.

Multiple payday advances are not allowed and banks cannot make loans to the same borrower for more than $500 on the borrower’s written agreement. There must be at least 7 days between successive loans and the lender must return a payment made before deducting finance charges if the lender could not reasonably have expected the advance to be paid.

Kansas Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)391
Maximum Loan Amount$500
Minimum Loan Term7 days
Maximum Loan Term30 days
Number of Rollovers AllowedNot specified
Finance Charges15% of the amount advanced

Meriden, KS payday loan calculator

Understanding Payday Loans in Meriden, Kansas

Have you ever found yourself in a financial emergency, and you don’t know how to get the quick cash you need? Sometimes, unexpected expenses can occur, and you may not have the financial cushion to cover them. Emergencies such as medical bills, car repairs, or unexpected travel can put a strain on your finances, leaving you with no option but to seek external financial help.

In such cases, a payday loan may come in handy. A payday loan is a short-term loan option that provides you with quick cash at a high-interest rate. It is a loan solution designed to help you meet your financial needs when you have no other options.

Understanding Payday Loans in Kansas

Payday loans are legal in Kansas, and a growing number of borrowers are relying on them to solve their financial problems. In Kansas, payday loans are regulated by the state law. According to the law, the maximum amount you can borrow through a payday loan is $500, and the loan term cannot exceed 30 days. Additionally, payday lenders are allowed to charge up to 15% in interest fees for a loan amount of $100.

If you are considering taking a payday loan in Meriden, Kansas, there are a few things you need to know. Firstly, not all payday lenders are created equal. Some have better terms and conditions, interest rates, repayment schedules, and customer service than others, so it is important to shop around and compare different lenders before making a decision. Secondly, you should only borrow what you can comfortably pay back. Failure to pay the loan may lead to additional fees, penalties, and even legal action.

How Payday Loans Work

Payday loans are designed to provide quick and easy access to cash in case of an emergency. Typically, the application process is fast and straightforward, and you can get the money within hours or by the next business day. To qualify for a payday loan, you need to meet specific requirements, such as being 18 years or older, having a steady income source, and having a valid bank account.

Once you fill out the application form, the lender will assess your eligibility and determine whether to approve or reject your loan request. If you are approved, the lender will deposit the money into your bank account or give you cash in hand. The repayment schedule is usually within 14 to 30 days, and the amount you borrow plus interest and fees are deducted from your next paycheck.

Things to Consider Before Getting a Payday Loan in Meriden, Kansas

  • Interest rates: Payday loans come with high-interest rates, so it is essential to understand the amount of interest you will be charged on the loan. Ensure you read the lender’s terms and conditions carefully and calculate the total amount you will be expected to pay back.
  • Repayment schedule: You need to know the repayment schedule and ensure that you will be able to pay back the loan without defaulting. Missing payments can lead to additional fees, increased interest rates, and financial penalties.
  • Alternative options: While payday loans may be the quickest and easiest way to get cash in an emergency, other options may be more affordable and less risky. Consider other options such as credit card cash advances, personal loans, or borrowing from friends or family members.

Interesting Facts About Payday Loans in Meriden, Kansas

According to a report by the Consumer Financial Protection Bureau, approximately 16,000 payday loan stores operate in the United States, outnumbering the branches of some major national banks.

Additionally, in Kansas, the payday lending industry contributed over $18 million to charitable organizations between 2004 and 2012.

Apply Now

Are you in need of quick cash in Meriden, Kansas? TheGuaranteedLoans can help you secure the funds you need through our online application process. We connect borrowers with trusted lenders who can provide payday loans, title loans, and more. Click on our ‘Apply Now’ button, complete the online application form, and get matched with a lender today. Remember, we are a connector service, not a direct lender, and we will facilitate your connection with potential lenders.

With TheGuanteedLoans, you can get the financial help you need, hassle-free.

F.A.Q.

Can I file for bankruptcy to discharge my payday loan debt in Meriden, Kansas?

Yes, you can file for bankruptcy to discharge your payday loan debt in Meriden, Kansas. However, keep in mind that bankruptcy is a serious decision that can have long-term consequences on your credit and financial situation. It is recommended to explore all other options before considering bankruptcy.

Are there any protections for military members in Meriden, Kansas when it comes to payday loans?

Yes, there are special protections for military members in Meriden, Kansas when it comes to payday loans. For example, lenders are prohibited from charging more than 36% annual interest on loans to active duty military members and their dependents.